為什麼富有之家財富很難超過三代？_風聞

【來源龍騰網】

正文原創翻譯：

When you start dirt poor, making $10 an hour feels like a huge accomplishment. Likewise if you are born a middle-class kid, running your own profitable business could be a huge accomplishment. If you’re a businessman, you might want to run a huge corporate empire. If you run a huge corporate empire, you might then utilize your vast resources, join politics and even campaign for elections. 

當你一貧如洗時，每小時掙10美元會讓你感覺是一個巨大的成就。同樣地，如果你出生在中產階級家庭，經營自己的企業會讓你感覺那是一項巨大的成就。如果你是一個商人，經營一個龐大的企業帝國是你的夢想。因為擁有一個龐大的企業帝國，你就可以利用自己龐大的資源，參加政治活動，甚至參加競選活動。

評論：

1.Divyanth Jayaraj

But if you are already part of a wealthy family, where do you go from there? You can’t buy yourself a kingdom. Your only options are to either join politics or stick to what you’re already doing; aka running that profitable corporate empire. Some people do switch to social causes, start trusts, fund research; even conduct their own.

但如果你已經是一個富裕家庭的一員，那麼你又會做什麼呢?你不能為自己買一個王國。你的選擇只有兩個，一是參加政治活動，走政治路線；二是堅持你已經在做的事情，繼續運營企業帝國。當然，也有部分人轉而從事社會事業，創辦信託基金、基金研究等活動;甚至有部分人從零出發，自己開始創業。

But what after that?

We live in times where governments have just started to be fair. Right now, the priority of most nations around the world is to lift their populace out of poverty while remaining sustainable and protecting the environment. You can see 3 problems to the rich right there i.e

 

Bring fairness

Grow in a sustainable way so that there are no critical shortages of resources like food, energy and water

Protect the environment so that humanity doesn’t go extinct

All 3 of these priorities cause modern governments to target the rich. This means, rich people are actively undermined by the sovereign nation-states that protect them.

As things stand today, if you are rich, you pay (at least in theory) until you are no longer rich.

但在那之後呢?

我們現在的社會是一個公平的社會。目前，世界上大多數國家的首要任務是幫助本國人民擺脱貧困，同時保持可持續發展和保護環境。富人目前面臨三個問題：

保證公平原則；

以可持續的方式發展，以避免造成糧食、能源和水等資源的嚴重短缺；

保護環境，這樣人類才不會滅絕

以上這3個問題導致現代政府將目標對準了富人。這意味着，即使那些保護富人利益的主權國家，現在也開始不斷地削弱富人的影響力。

現在的情況是，如果你很富有，那麼你就需要一直交税(至少在理論上)，直到你不再富有。

If you have a high income, you get taxed. If your corporation gets too big, it gets broken up. If you break into new frontiers (say, build an island from scratch), other sovereign states (aka countries) will either claim what you build for themselves or pressure your own country to rein you in. This point is especially emphasized in the sci-fi TV show “The Expanse”

如果你有高收入，你要交税。如果你的公司不斷擴張，那麼它可能會破產。如果你開闢了新的邊界(比如，從頭開始建造一個島嶼)，其他主權國家(又稱國家)要麼宣稱你為自己建造的東西是他們的；要麼給你的國家施加壓力，讓它約束你。科幻電視劇《蒼穹浩瀚》特別強調了這一點。

 

where people who are outside Earth’s territorial control are kept from growing (through getting resources from mining asteroids) by Earth.

The point I’m trying to make is this.

As the state of human civilization stands right now, there are far too many forces working towards limiting the growth of the wealthy to let them last for more than 3 generations.

在電影中，地球之外的人被地球阻止成長，這些人通過採礦的小行星來獲得資源。

我想説的是：

從人類文明目前的發展狀況而言，有太多的力量在限制富人的增長，極力造成富不過三代的局面。

A long time ago, it was due to lack of technological advancement. Now, it’s due to humanity’s need to fix the wounds of the past.

Meanwhile, wealth has been reaching more and more people than before; and that’s some good news to celebrate. Filthy rich families might not last for longer than 3 generations but upper-middle class families last for far more than three; and that’s something worth celebrating anyway.

很久以前，造成這種現象的原因是技術落後。而現在，造成這種現象的原因則是因為人類需要修復過去造成的創傷。與此同時，還是有一些值得慶祝的好消息，比如越來越多的人開始變得富有。鉅富的家庭可能富不過三代，但中上階層的家庭可以持續很多代。無論如何，這都是值得慶祝的。

6. Rayan Zehana

The common reason for this is actually due to the shared traits that Entrepreneurs and self-made men possess, everybody starts from somewhere, right? Typically, the founders of a family’s fortune are usually the most intelligent, perceptive and open-minded of the family, the best way to secure the legacy and wealth of a family is to give experience to family members and educate them. There have been too many families that have lost their wealth due to the ignorance of a few reckless heirs. The most successful families, (labeling the Rothschilds in this example) are typically the most stable and successive, one can only assume the strict, rigorous education that each family member must go through in order to persevere and retain the family’s vast success and fortune.

造成這種現象有一個常見的原因，就是由於企業家和白手起家者擁有的共同特徵，每個人都是從某個地方開始的。一般來説，家族財富的創始人通常是家族中最聰明、最有洞察力、思想最開放的人，確保家族遺產和財富的最好方式就是向家族成員傳授經驗並教育他們。有太多的家庭因為幾個魯莽的繼承人的無知而失去了他們的財富。最成功的家庭(在這個例子中被稱為羅斯柴爾德家族)通常是最穩定、最成功的。我們只能假定每個家庭成員必須接受嚴格、嚴謹的教育，才能維持和保留家族的巨大成功和財富。

One good example would be the fortune of the Winchester Family, famous for the aptly named Winchester rifle, the family patriarch, William Wirt Winchester would die in the year 1881 from Tuberculosis, upon his death he was childless, and his widow Sarah Winchester would inherit the fortune of $20 million (equivalent to over $500 million today.) A grieving widow of her husband and her deceased daughter, she would spend most if not all the family fortune on the construction of the Winchester Mansion, which, under the duress that she was haunted, she would continually add more rooms to the house which would make no sense,

温徹斯特家族的財富就是一個很好的例子，該家族的族長以其名符其實的“温徹斯特步槍”而聞名。1881年，家族元老威廉·温徹斯特死於肺結核。因為它生平沒有孩子，所以他的遺孀莎拉·温徹斯特將繼承2000萬美元的財產(相當於今天的5億多美元)。作為她丈夫的遺孀，她把大部分的家庭財產都花在建造温徹斯特大宅邸上。在被糾纏的壓力下，她不斷地在房子裏增加更多的房間，而這毫無意義。

Staircases which lead to empty wall, doors which open to a balcony which wasn’t there, the Winchester Mystery House is a popular attraction for visitors and tourists, largely due to the fact that it was built by a widow with staggering amounts of wealth, all of which was presumably lost to time.

通向空牆的樓梯，通向原本不存在的陽台的門，這都是温徹斯特神秘屋的熱門景點。這座府邸是由一位擁有驚人財富的寡婦建造的，這一切大概都被時間遺忘了。

 

You are more than welcome to attempt and decipher this floor plan.

歡迎您來欣賞和解讀這個平面圖。

Hopefully this will give you a more simplified version of your answer and you will understand the indispensable value of proper education paralleled with experience. Often times too many parents wish to give their children a better life than what they had experienced, forgetting that it was this life which forged them into strong, smart and perceptive people.

希望這能給你一個更簡化的答案，你將理解適當的教育與經驗是相輔相成的，二者是不可或缺的。很多時候，太多的父母希望給他們的孩子一個更好的生活，卻忘記了正是他們自己經歷的這種生活將他們鍛造成強大、聰明和有洞察力的人。

7. Mehran Jalali, studied at National Organization for Development of Exceptional Talents (2020)

upxed February 4, 2017 · Upvoted by Bert Morris, Retired CFO and Franklin Parker, works with very wealthy families

Originally Answered: Why does family wealth rarely last more than 3 generations?

My history teacher has a great explanation for this.

See, the first person to become rich in the family wasn’t born into wealth. The person worked and struggled to become rich. For that reason, he (let’s assume it’s a male) knows the value of money. His son, the second generation was also probably not born into wealth. He was likely born when his father was struggling to make money, and for that reason, he knows the value of money. If he was born into wealth however, then the money is likely doomed. He will probably spend recklessly, as he didn’t work for the money, and doesn’t know the value of it.

我的歷史老師對此有很好的見解。家裏第一個變得富有的人並不是生下來就富有的。這個人努力工作，努力致富。出於這個原因，他(我們假設他是男性)才更瞭解金錢的價值。他的兒子，第二代可能還沒有出生就已經很富貴了。他可能是在他父親努力賺錢的時候出生的，因此，他也知道金錢的價值。然而，如果他出生在一個富有的家庭，那麼這筆錢很可能註定會被敗光。他可能會不顧一切地花錢，因為他不是為了錢而工作，也並不知道錢的價值。

The chances that the third generation was not born into wealth is extremely slim. I mean, the first generation likely didn’t have grandchildren before becoming wealthy. Since the third generation didn’t work for their wealth, they wouldn’t know the value of money, and waste it. Of course, my history teacher wasn’t talking about wealth. He was talking about how Persian dynasties usually didn’t last more than 2–3 generations.It was an extremely insightful explanation for me, so I thought I should share it here. I hope you enjoyed it.

第三代不是出生在富裕家庭的可能性極小。我的意思是，第一代在變得富有之前可能並沒有孫輩。因為第三代人不為他們的財富工作，他們不知道錢的價值，所以他們肆無忌憚的消費了它。當然，我的歷史老師説的不是財富。他説的是波斯王朝通常不會持續超過2-3代。這對我來説是一個非常深刻的解釋，所以我想我應該在這裏分享它。希望你喜歡。